Loan programs · Hawaii
Down payment assistance loan officers in Hawaii
As of 2026-10-09, LenDb lists 14 loan officers licensed in or based in Hawaii whose lender pages show Down payment assistance work. The top-ranked are Iris Legaspi (First Citizens Bank, San Diego), Monica Centeno (Guild Mortgage, Henderson) and Josh Numbers (CrossCountry Mortgage, Cleveland). Ranking is lender-neutral: specialty evidence first, then a license in HI, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 14
- 1
Iris LegaspiNMLS 690505
First Citizens Bank · San Diego, CA · licensed in 35 states
- Down payment assistance
- First-time buyer
- Jumbo loan
- Physician and medical professional
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 17 years experience (stated on lender page, 2026-10-09)
- 2
Monica CentenoNMLS 1100009
Guild Mortgage · Henderson, NV · licensed in 33 states
- Down payment assistance
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 8 years licensed
- 3
Josh NumbersNMLS 218459
CrossCountry Mortgage · Cleveland, OH · licensed in 17 states
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- VA loan
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 4 years licensed
- 4
Damon BlackwellNMLS 1812775
CrossCountry Mortgage · Henderson, NV · licensed in 5 states
- Down payment assistance
- Non-QM loan
- VA loan
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 4 years licensed
- 5
Arthur BuhrerNMLS 114080
CrossCountry Mortgage · Sequim, WA · licensed in 14 states
- Down payment assistance
- Real estate investor
- Reverse mortgage
- VA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 3 years licensed
- 6
Lance DoiguchiNMLS 272696
LeaderOne Financial · Honolulu, HI
- Down payment assistance
- Reverse mortgage
- Construction loan
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- Branch in Hawaii
- 7
Andy KeyNMLS 195274
CrossCountry Mortgage · Cottonwood Heights, UT · licensed in 3 states
- Down payment assistance
- First-time buyer
- HELOC
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 8
Evan SouzaNMLS 1675909
Xpert Home Lending · Mortgage broker · Sacramento, CA · licensed in 2 states
- Down payment assistance
- Asset-based qualifying
- Bank statement loan
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 8 years licensed
- 9
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- Down payment assistance
- Condo
- FHA loan
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 8 years licensed
- 10
Dane CostaNMLS 787138
Xpert Home Lending · Mortgage broker · Hawaii
- Down payment assistance
- First-time buyer
- Real estate investor
- VA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- Branch in Hawaii
- 11 years experience (stated on lender page, 2026-10-09)
- 11
Manen PanNMLS 1006352
First Citizens Bank · Pasadena, CA · licensed in 32 states
- Down payment assistance
- Real estate investor
- Construction loan
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 12
Elena De LuzNMLS 1180152
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 2 states
- Down payment assistance
- DSCR loan
- FHA loan
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 13
Teyona StewartNMLS 2215853
First Citizens Bank · La Jolla, CA · licensed in 35 states
- Down payment assistance
- First-time buyer
- FHA loan
- HELOC
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 14
Alex RamirezNMLS 450556
Xpert Home Lending · Mortgage broker · licensed in 5 states
- Down payment assistance
- VA loan
- Asset-based qualifying
- Bank statement loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 1 years licensed
Before you choose
Programs are local, change often, and need the lender to be approved with the housing agency that runs them.
- Which down payment assistance programs are you approved for here?
- Is the assistance a grant, a forgivable loan, or a repayable second?
- Are there income, purchase price or first-time buyer limits?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in HI or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=down-payment-assistance&state=HI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.